Insurance doesn’t have a pricing problem — it has a trust problem. And Dylan Bourguignon decided to redesign the whole system to fix it. In this episode of the Scouting for Growth Podcast, Sabine VanderLinden speaks with Dylan Bourguignon, former CEO of SO-SURE, a digital insurer built on a bold premise: insurance should be a win-win relationship, not a zero-sum game. Dylan’s mission was clear from day one — restore customer trust in an industry where promises too often fall apart at the moment of truth. Dylan didn’t come from insurance by accident. Trained as an engineer (twice over), with a decade spent in strategy consulting and private equity, and armed with an MBA, he developed a forensic understanding of the insurance value chain. As an investor, he saw the gap no one was fixing: a massive disconnect between consumer experience and industry margins. When he couldn’t find a business truly addressing it, he did what entrepreneurs do best — he built one. The insight driving SO-SURE was radical in its simplicity: you can’t fix customer experience by optimising one piece of the chain. Tweaking distribution, policy admin, or claims in isolation only improves a broken system marginally. Real change requires owning and redesigning the entire value chain — from purchase to claims to rewards. SO-SURE did exactly that. Dylan describes the model as “Mutual 3.0” — a modern, digital evolution of mutual insurance. Customers buy a policy, then connect with friends and family they trust. Every trusted connection adds value to each person’s reward pot, up to 80% of the premium. If no claims are made within that personal network, customers get money back at the end of the year. Crucially, each customer’s rewards depend only on their own network, not on the behaviour of distant strangers. The result? Policies up to 40% cheaper than competitors Claims fulfilled in 24–72 hours — up to 10× faster than traditional insurers Up to 80% premium payback for the 95% of customers who don’t claim Win when you need insurance. Win when you don’t. The conversation also tackles embedded insurance — with Dylan calling out the hype. Selling insurance at the point of purchase isn’t new; what’s new is the ability to make it contextual, data-driven, and relevant. But relevance matters. Over-insurance, poor claims experiences, and opaque pricing erode trust just as quickly — embedded or not. For Dylan, the real differentiator is delivering an impeccable claims experience that’s as seamless as the purchase itself. Beyond product design, Dylan highlights the often-underestimated role of sales, negotiation, and execution skills in scaling a tech-led insurance business. Vision matters — but discipline, belief, and persistence matter more. This episode is essential listening for: InsurTech founders rethinking trust and value creation Insurance leaders redesigning customer experience end-to-end Investors seeking sustainable, consumer-centric models Anyone tired of insurance feeling like a bad deal Dylan’s closing message is as human as it is entrepreneurial: be yourself, redesign boldly — and don’t stop believing. Because when insurance finally aligns incentives with customer outcomes, trust stops being a promise — and becomes a feature.